Protect Your Account!

DO NOT share personal information with unsolicited callers or texters claiming to be with Shell FCU. We will NEVER ask for your Digital Banking User ID or Password. If YOU initiate contact with us we may send you a one-time authentication code. If uncertain, hang up and call Shell FCU at (713) 844-1100. Thank you for the opportunity to serve you!

Savings Accounts

Shell Federal Credit Union is a full service financial institution that has improved the lives of thousands since 1937. Through service excellence, community outreach and lasting financial solutions, Shell FCU can help in all stages of life. Anyone who lives, works, worships, attends school, or regularly conducts business in Harris County can bank with Shell FCU.

Shell FCU accounts are insured up to $250,000 by the National Credit Union Administration, or NCUA. The NCUA is an independent agency of the United States Government. It regulates, charters and insures the nation’s federal credit unions.


Interested in banking with Shell FCU and have questions?

See the account details below or request to be contacted by a Shell FCU Representative.

 Bank With Us

Product Name Initial Deposit Minimum Balance* Rate Type APY**
  Savings $5.00 $5.00 Variable 0.10%

A Savings Account with a $5 initial deposit must be established to be eligible for other accounts, loans and Shell FCU benefits. This initial savings account is considered a Membership Account.

  • As a credit union, Shell FCU returns earnings to our members in the form of competitive savings rates.
  • Checks can be deposited quickly and effortlessly using Mobile Deposit within the Shell FCU Digital Banking App.
  • Increase your savings easily by depositing cash or checks at any Shell FCU ATM.

Interested in a Shell FCU savings account?

Request to be contacted by a Shell FCU Representative.

  TUTMA (Texas Uniform Transfers to Minors Act) $5.00 $5.00 Variable 0.10%

A TUTMA (Texas Uniform Transfers to Minors Act) is a great way to provide for your child’s future.

  • Can be established for any person under the age of 21.
  • This account uses the minor child’s social security number; however, the child has no authority on this account.
  • Account should be transferred to the minor once they reach the age of 21.

Interested in a Shell FCU TUTMA account?

Request to be contacted by a Shell FCU Representative.

  Christmas Club $10.00 $10.00 Variable 0.50%

A Christmas Club Account can be set up to assist in saving for holiday expenses.

  • Minimum opening deposit is $10.
  • This account includes unlimited deposits.
  • All withdrawals will incur a fee. (See Fee Schedule for details.)
  • All withdrawals must be performed at a branch or through the call center.
  • The Christmas Club account balance will be transferred to your regular share account on or before November 1st.

Interested in a Shell FCU Christmas Club account?

Request to be contacted by a Shell FCU Representative.

  iSave $25.00 $25.00 Variable 0.15%

An iSave is available to ages 14 to 24 and is an incentive based savings program.

Here's how it works:

  1. Open an iSave account with a minimum $25 deposit.
  2. Deposit at least $25 every 30 days for 12 consecutive months.
  3. Don’t take any money out & receive a $25 BONUS!

Interested in a Shell FCU iSave account?

Request to be contacted by a Shell FCU Representative.

Rates current as of and may change after opening the account.

*Minimum balance required to receive disclosed APY. **APY denotes Annual Percentage Yield. Fees could reduce earnings on accounts. Contact Shell FCU for additional product details including earned dividend information, minimum deposit and balance requirements to earn the stated APY, and other important account terms and conditions. Dividend rates and Annual Percentage Yields are current as of the last dividend declaration date.